A government shutdown significantly affects the National Flood Insurance Program (NFIP). We’re here to shed light on the impact.  

How? Did you know a Federal Shutdown Means no Flood Insurance from the National Flood Insurance Program?

While a government shutdown will not impact most of the NFIP’s existing 4.7 million policyholders, the NFIP will not be able to issue new policies, increase coverage on existing policies, or renew policies.

This disruption can have a profound negative impact—particularly for consumers purchasing a home with a flood insurance requirement. According to the National Association of Realtors, approximately 1,400 home purchases will be disrupted each day during an NFIP lapse1. 

But you are in luck when you call Ed Cantu Insurance Agency because we can access Private Flood Insurance companies. Call (361) 991-1493 or click https://www.edcantuinsurance.com/floodinsurance.php#quote  now for your free Flood Insurance proposal.

The National Oceanic and Atmospheric Administration (NOAA) has predicted slightly above-average activity this season. The Prediction Center forecasts 12 to 17 named storms, 5 to 9 hurricanes, and 1 to 4 major hurricanes. Are you ready for the Severe Wind damage associated with Hurricanes and the Flood damage that follows?

NOW is the time to update your family plan and invest in vital wind and flood insurance to protect your home and belongings! You should also review insurance policies now to ensure you have adequate protection and proper values for your home and property. 

Furthermore, now is the best time to put together a family emergency kit and prepare a family emergency plan:

• Decide and discuss how, where and when you will evacuate is essential.

• First-aid kit, prescription medications, eyeglasses, copies of prescriptions.

• Important documents and records, photo IDs, proof of residence, and insurance documents.

• Credit cards and cash (if power is out, banks and ATMs may not be available).

• Battery-operated radio, NOAA Weather Radio, and extra batteries.

• Phone numbers of family, friends, and other vital phone numbers.

• Road maps because you might not have phone or GPS services.

• 3-day supply of non-perishable food, one gallon of bottled water per person daily, coolers for food and ice storage, paper plates, and utensils.

• Manual can opener, knife, tools, booster cables, fire extinguisher, duct tape, tarp, rope, and flashlight with extra batteries.

• Extra keys.

• Blankets, pillows, sleeping bags for each person, extra clothing, and toys for children.

• Supplies for babies, elderly, and family members with special care needs.

• Toilet paper, cleanup supplies, and personal hygiene products.

• Leash, food, cleaning supplies, and veterinary records for pets.

Remember to keep up with potential storms throughout hurricane season by visiting The National Hurricane Center’s website, often at https://www.nhc.noaa.gov/ For more information on how and what to prepare for during hurricane season, visit www.edcantuinsurance.com or call our office at (361) 991-1493.

Because We Care,

Ed Cantu

 

May 22-26, 2023
2023 TFMA is Flood Awareness Week
Wednesday, May 24 – Wear Blue Wednesday!

The 3 Most Common Types of Flooding:

Flash Flooding- A flash flood is typically caused by heavy rainfall, evolving in 6 hours or less. It often occurs in urban areas where impervious surfaces prevent water from infiltrating the soils.

River Flooding- A River flood occurs when a river or creek overflows its banks and spreads onto the floodplain, sometimes impacting nearby structures or roadways.

Areal Flooding- Areal Flooding is typically slower to evolve, developing in 6 or more hours. Typically areal Flooding occurs in low-lying or poor drainage areas.

The Texas Coast deals with a 4th type of Flooding.
Coastal Flooding- Coastal Flooding typically occurs when dry and low-lying land becomes submerged by seawater. The effect increases depending on the tide. Windstorms that occur during high tide can result in devastating storm surge flooding.

Each flood type can be devastating. Unfortunately, our Texas coastline floods often since we can suffer from all four types of Flooding simultaneously. Even more critical is this needed protection is excluded from your home insurance policy, so you must secure flood insurance protection today.

Call Ed Cantu Insurance Agency at (361) 991-1493 or visit www.edcantuinsurance.com now!